Residential delivery area · California
ZIP Code 95010: Capitola, CA
ZIP code 95010 is in Capitola, California, entirely in Santa Cruz County (Census 2020 ZIP-county file). About 8,700 people live there (Census Bureau, ACS 2020-2024). Median household income is $105,236 (Census Bureau, ACS 2020-2024).
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Capitola · its only residential ZIP
- County
- Santa Cruz County
- Census places
- Capitola
- Neighborhoods
- Brookvale Terrace Mobile Home Park, Cabrillo Mobile Home Park, Loma Vista Mobile Home Park, Tradewinds Mobile Home Park GeoNames
- Metro area
- Santa Cruz-Watsonville, CA
- House district
- CA-19 119th Congress
- State
- California
- Time zone
- Pacific
- Land area
- 1.4 sq mi · 6,296 people per sq mi
Where is ZIP code 95010?
95010 centers on 36.976°, -121.955° and covers 1.4 square miles of land plus 0.1 of water. It borders 3 ZIP codes: 95062, 95073, 95003.
The map draws ZIP code areas only. For the streets inside 95010, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0); neighborhoods from the GeoNames gazetteer (CC BY 4.0), placed in this ZIP code by PlainZIP.
How does 95010 compare with the rest of Santa Cruz County?
| Measure | 95010 | In Santa Cruz County | In CA |
|---|---|---|---|
| People (ACS 2020-2024) | 8,707 | 9th of 17 | 1,032nd of 1,802 |
| Median household income | $105k | 9th of 12 | 510th of 1,189 |
| Median home value | $829k | not ranked | not ranked |
95010's median home value is not ranked: its 90% margin of error (±$215,705) is more than a quarter of the figure ($828,700). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
Its median household income is higher than in 84% of U.S. residential ZIP codes, and it is denser than 96% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 95010?
The 2020 Census counted 9,080 people in 95010; the ACS, which samples households over 2020-2024, estimates 8,707. Between the 2010 and 2020 censuses its population fell 0.6% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 8,707
- 2020 Census count
- 9,080−0.6% since 2010 (9,137)
- Households
- 4,242
- Median age
- 49.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 95010?
Of the 8,707 people the ACS estimates in 95010, 13.7% are under 18 and 26.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (64.0%), then Hispanic or Latino (26.0%).
- Under 1813.7%
- 18 to 6459.5%
- 65 and older26.7%
- White, not Hispanic64.0%
- Hispanic or Latino26.0%
- Other or two or more4.7%
- Asian, not Hispanic4.1%
- Black, not Hispanic1.2%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 95010 earn?
Median household income is $105,236 (ACS 2020-2024), the 9th highest of the 12 ranked ZIP codes in Santa Cruz County. It is not measurably different from 2015-2019 ($87,768 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $105,236±$14,728
- Income per person
- $71,616
- Below the poverty line
- 11.9%
- Unemployed (of the labor force)
- 1.7%
- Adults 25+ with a bachelor's degree
- 48.3%
- Adjusted gross income per tax return, 2022
- $115,4475,030 returns; wages 61% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 95010?
FHFA's house price index for 95010, built from repeat sales and appraisals of the same homes, rose 52% from 2015 to 2025 and rose 21% from 2020 to 2025, and moved −14.4% in 2025.
- Median home value (owners' estimate)
- $828,700
- Median gross rent
- $2,503
- Homes owned by their occupants
- 48.9%
- Housing units
- 4,838
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 95010?
522 business establishments had a location in this ZIP code in 2023, 16 fewer than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade108
- Accommodation and food services74
- Health care and social assistance55
- Real estate and rental and leasing52
- Professional, scientific, and technical services50
- Finance and insurance46
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 95010?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 95062 | Santa Cruz | 35,607 | $112k | 1.9 mi |
| 95073 | Soquel | 11,639 | $118k | 4.6 mi |
| 95003 | Aptos | 24,951 | $148k | 4.7 mi |
| 95065 | Santa Cruz | 7,997 | $153k | 4.2 mi (near) |
| 95064 | Santa Cruz | 10,168 | $121k | 5.8 mi (near) |
| 95066 | Scotts Valley | 15,135 | $151k | 7.1 mi (near) |
| 95041 | Mount Hermon | 623 | $97k | 7.7 mi (near) |
| 95060 | Santa Cruz | 46,268 | $109k | 8.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.